What Auto Insurance is Cheapest for Teenage Males in Tucson?

One of the more important things that determine car insurance rates is your address in Tucson. Regions with more people or even just more weather-related claims will most likely have higher rates, whereas areas with lower vehicle theft rates and fewer weather claims tend to receive cheaper rates.

The next table lists the most expensive places in Arizona for teenage males to purchase auto insurance in. Tucson comes in at #15 with an annual premium of $1,072 for the average insured, which is about $89 each month.

How much does car insurance cost in Tucson, AZ?
Rank City Annual Rate
1 Phoenix $1,218
2 Glendale $1,190
3 Avondale $1,174
4 San Tan Valley $1,161
5 Scottsdale $1,151
6 Buckeye $1,144
7 Mesa $1,125
8 Goodyear $1,120
9 Gilbert $1,108
10 Tempe $1,106
11 Peoria $1,104
12 Chandler $1,082
13 Casas Adobes $1,082
14 Maricopa $1,074
15 Tucson $1,072
16 Casa Grande $1,057
17 Catalina Foothills $1,050
18 Surprise $1,048
19 Oro Valley $1,020
20 Yuma $963
21 Flagstaff $941
22 Prescott $914
23 Sierra Vista $899
24 Bullhead City $896
25 Lake Havasu City $870
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Prices are comparative as specific location information can influence prices noticeably.

Figuring out which company has the cheapest insurance rates for teenage males requires a tad more effort than just getting one or two price quotes. Each auto insurance company uses their own calculation to determine rates, so let’s take a look at the most competitive insurance companies in Arizona.

Cheap Insurance Rates for Teens

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Rankings for the cheapest Arizona auto insurance companies
Rank Company Cost Per Year
1 The Hartford $845
2 Safeco $905
3 Auto-Owners $915
4 Travelers $1,075
5 USAA $1,091
6 Progressive $1,130
7 GEICO $1,166
8 Ameriprise Group $1,208
9 CSAA $1,225
10 Allied $1,245
11 Safe Auto $1,284
12 Farm Bureau Mutual $1,285
13 Unitrin $1,303
14 State Farm $1,377
15 Farmers $1,378
16 Amica $1,443
17 Titan $1,476
18 American Family $1,478
19 California Casualty $1,522
20 MetLife $1,567
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The Hartford has some of the cheapest car insurance rates in Tucson at around $845 annually. This is $583 less than the average rate paid by Arizona drivers of $1,428. Safeco, Auto-Owners, Travelers, and USAA also rank well as some of the lowest-priced Tucson, AZ insurance companies.

In the above example, if you buy coverage from Travelers and switched to Safeco, you could earn an annual premium reduction of approximately $170. Insureds with USAA might save as much as $186 a year, and Progressive insureds might reduce prices by as much as $225 a year.

If you want to see how much you could save, click here to start a quote or visit any of the low-priced companies below.

It’s important to note that these premiums are averaged across all ages of drivers and types of vehicles and and are not calculated with a specific location for teenage males. So the auto insurance company that fits your age and vehicle best may not even be in the top 28 companies in the list above. That points out the importance of why you need to get quotes using your own driver information and specific vehicle type.

The make and model of vehicle needing coverage is probably the largest consideration when shopping around for cheap car insurance for teenage males. Vehicles with economical engines, a plethora of safety features, or a track record of few liability claims will cost substantially less to insure than higher performance models.

The information below estimates car insurance rates for some of the most cost-effective vehicles to insure in Arizona.

Cheapest Vehicles to Insure in Tucson, AZ
Insured Vehicle Estimated Cost for Full Coverage
Honda CR-V EX-L 2WD $5,400
Ford Escape Limited 2WD $5,409
Honda Accord EX-L 4-Dr Sedan $5,748
Hyundai Elantra SE Touring Station Wagon $5,758
Toyota Prius $5,803
Ford Edge SE 2WD $5,932
Ford F-150 STX Regular Cab 2WD $5,938
Dodge Grand Caravan CV $5,989
Honda Odyssey EX W/Rear Entertainment $6,280
Ford Focus S 4-Dr Sedan $6,287
Chevrolet Malibu Hybrid $6,337
Toyota Camry LE $6,345
Toyota RAV4 Limited 2WD $6,337
Chevrolet Equinox LS AWD $6,346
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $6,391
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Data based on single male driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, and claim-free. Rate information does not factor in vehicle location which can impact auto insurance rates noticeably.

Looking at the data, models like the Honda CR-V, Ford Escape, Honda Accord, and Hyundai Elantra are likely to be the most economical vehicles to insure for teen boys. The cost of auto insurance will be more expensive because of the fact that there is more claim risk for teenage males, but generally speaking those particular vehicles will probably have the cheapest auto insurance rates compared to all other vehicles.

Finding the best auto insurance provider can be rather challenging considering how many companies provide coverage in Tucson. The ranking information in the next section may help you analyze which auto insurance companies to look at shopping prices with.

The ratings below include the largest companies in America, so smaller regional companies are not taken into consideration for these rankings. If you wish to compare prices from these companies and more, simply click here.

Top 10 Major Auto Insurers in Tucson Ranked by Customer Satisfaction

  1. Titan Insurance – 95%
  2. USAA – 94%
  3. AAA Insurance – 91%
  4. State Farm – 90%
  5. Nationwide – 90%
  6. The Hartford – 89%
  7. GEICO – 89%
  8. The General – 88%
  9. 21st Century – 88%
  10. Liberty Mutual – 88%

Top 10 Major Auto Insurers in Tucson Ranked by Value

  1. USAA
  2. American Family
  3. The Hartford
  4. Titan Insurance
  5. The General
  6. Mercury Insurance
  7. AAA Insurance
  8. State Farm
  9. Nationwide
  10. Safeco

The diagram below highlights how deductible selection can increase or decrease insurance costs when trying to find cheap insurance for teenage males. The premium estimates are based on a married female driver, comprehensive and collision coverage, and no discounts are applied.

In the chart above, a 50-year-old driver could reduce rates by $276 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $416 by selecting a $1,000 deductible. Younger drivers, like the Age 20 category, could save up to $684 annually just by choosing higher deductibles. If you make the decision to raise deductibles, it is necessary to have plenty of savings on hand to offset the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.

Liability only or full coverage

Reducing the cost of insurance is the goal of most people, and one good way to buy cheap insurance for teenage males is to buy liability only. The example below illustrates the comparison of insurance costs with and without full coverage. The prices are based on no driving violations, no at-fault accidents, $500 deductibles, single status, and no other discounts are factored in.

Averaged for all age groups, comp and collision coverage costs $1,417 per year over and above liability only. Many people question when is it safe to stop buying full coverage. There is no specific rule to exclude full coverage on your policy, but there is a general school of thought. If the annual cost of having full coverage is more than around 10% of any settlement you would receive from your insurance company, then it could be time to drop full coverage.

For example, let’s pretend your vehicle’s replacement value is $10,500 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $9,500 after paying your policy deductible. If you are paying in excess of $950 annually to have full coverage, then it might be time to buy liability only.

If you aren’t sure which coverage to buy and prefer to have a professional recommendation when comparing insurance rates for teen boys, the agents shown below can probably help you determine which coverages are best.

To locate a Tucson insurance agent close to you, click the button following the list.

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How to find more affordable insurance for teenage males

Below you’ll find a few money-saving suggestions that can help Tucson drivers get lower-cost coverage.

The last idea is extremely critical, as we pointed out in the prior article. Coverage rates can be adjusted at any time, so drivers shouldn’t be reluctant to switch carriers if you can find a cheaper rate. Brand loyalty is great, but we do not recommend it if your bullheadedness ends up costing you a fortune every year. It takes less than five minutes to compare prices to find cheaper auto insurance for teenage males in Tucson.